| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.9% | -1.5 pts |
| Deposit growth (YoY) | +2.4% | +4.3% | -1.9 pts |
| Loan growth (YoY) | +4.6% | +5.3% | -0.8 pts |
| ROA | 0.97% | 1.28% | -0.3 pts |
| ROE | 10.3% | 12.4% | -2.2 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $660.7M | $563.9M | $398.3M | $63.1M | $3.1M | 0.97% | 3.82% | 1.36% |
| Q1 2026 | $655.5M | $562.8M | $396.6M | $60.1M | $1.1M | 0.68% | 3.78% | 1.30% |
| Q4 2025 | $638.7M | $544.5M | $395.0M | $61.0M | $7.8M | 1.23% | 3.59% | 1.71% |
| Q3 2025 | $632.9M | $541.7M | $386.1M | $59.2M | $6.2M | 1.30% | 3.52% | 0.88% |
| Q2 2025 | $639.2M | $550.7M | $380.9M | $56.6M | $3.9M | 1.23% | 3.44% | 0.72% |
| Q1 2025 | $636.5M | $549.5M | $379.8M | $54.6M | $1.7M | 1.08% | 3.37% | 0.74% |
| Q4 2024 | $622.5M | $526.8M | $371.5M | $54.0M | $7.0M | 1.13% | 3.17% | 0.64% |
| Q3 2024 | $628.6M | $529.2M | $366.9M | $57.0M | $5.0M | 1.06% | 3.10% | 0.68% |
Loan mix (Q2 2026): real estate $301.7M · commercial $32.6M · consumer $59.0M · securities $173.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.28% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 61.2% | 78th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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